Click here to learn more about Roswell's participation with Independent Health.
The top-rated 2025 Commercial Health Plan in NY, comprehensive products, hands-on support and national and local networks. Whether you’re a small group or a large group employer, we’re committed to ensuring you’re supported. A healthier business. That’s the RedShirt® Treatment.
Independent Health was rated 5 out of 5 in NCQA's Commercial Health Plan Ratings from 2023 – 2025.
The plans shown below represent our 2026 Q1 Small Group plans. Download a printable version here.
To view our 2025 Q4 plans and rates, click here.
| FlexFit Platinum |
|---|
2026 Q1 |
| Employee Rate $1,078.68 |
| Employee and Child(ren) Rate $1,833.76 |
| Employee and Spouse Rate $2,157.36 |
| Family Rate $3,074.24 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $10/$40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $250 |
| Pharmacy1 $5/$45/50% |
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| iDirect Platinum Coinsurance |
|---|
2026 Q1 New |
| Employee Rate $1,016.58 |
| Employee and Child(ren) Rate $1,728.19 |
| Employee and Spouse Rate $2,033.16 |
| Family Rate $2,897.25 |
| First Dollar Coverage N/A |
| In-Network Deductible $125/$250 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20%/Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 $5/$50/50% |
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| Passport Plan Local Platinum3 |
|---|
2026 Q1 New |
| Employee Rate $1,108.08 |
| Employee and Child(ren) Rate $1,883.74 |
| Employee and Spouse Rate $2,216.16 |
| Family Rate $3,158.03 |
| First Dollar Coverage N/A |
| In-Network Deductible $125/$250 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20%/Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 $5/$50/50% |
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| Activate Gold |
|---|
2026 Q1 |
| Employee Rate $877.12 |
| Employee and Child(ren) Rate $1,491.10 |
| Employee and Spouse Rate $1,754.24 |
| Family Rate $2,499.79 |
| First Dollar Coverage $750/$1,500 |
| In-Network Deductible $1,700/$3,400 (E) |
| In-Network Coinsurance 25% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $20/$50 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 25% Coinsurance after first dollar and deductible |
| Emergency Room Services 25% Coinsurance after first dollar and deductible |
| Pharmacy1 $10/25%/50% after first dollar and deductible |
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| FlexFit Gold |
|---|
2026 Q1 New |
| Employee Rate $953.67 |
| Employee and Child(ren) Rate $1,621.24 |
| Employee and Spouse Rate $1,907.34 |
| Family Rate $2,717.96 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $40/$75 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $3,000 |
| Emergency Room Services $300 |
| Pharmacy1 $10/$40/50% |
Show Benefits + |
| iDirect Gold Copay |
|---|
2026 Q1 |
| Employee Rate $943.65 |
| Employee and Child(ren) Rate $1,604.21 |
| Employee and Spouse Rate $1,887.30 |
| Family Rate $2,689.40 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,500/$3,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 $10/$40/$100 |
Show Benefits + |
| iDirect Gold Copay Option 3 |
|---|
2026 Q1 |
| Employee Rate $932.09 |
| Employee and Child(ren) Rate $1,584.55 |
| Employee and Spouse Rate $1,864.18 |
| Family Rate $2,656.46 |
| First Dollar Coverage N/A |
| In-Network Deductible $775/$1,550 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $250 |
| Pharmacy1 $10/$35/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2026 Q1 |
| Employee Rate $894.62 |
| Employee and Child(ren) Rate $1,520.85 |
| Employee and Spouse Rate $1,789.24 |
| Family Rate $2,549.67 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $750 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
iDirect Gold Copay HSAQ Option 2 |
|---|
2026 Q1 New |
| Employee Rate $876.32 |
| Employee and Child(ren) Rate $1,489.74 |
| Employee and Spouse Rate $1,752.64 |
| Family Rate $2,497.51 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,950/$3,900 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $750 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
iDirect Gold Coinsurance HSAQ |
|---|
2026 Q1 New |
| Employee Rate $854.76 |
| Employee and Child(ren) Rate $1,453.09 |
| Employee and Spouse Rate $1,709.52 |
| Family Rate $2,436.07 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan National Gold HSAQ |
|---|
2026 Q1 |
| Employee Rate $1,089.73 |
| Employee and Child(ren) Rate $1,852.54 |
| Employee and Spouse Rate $2,179.46 |
| Family Rate $3,105.73 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan Local Gold HSAQ3 |
|---|
2026 Q1 |
| Employee Rate $933.93 |
| Employee and Child(ren) Rate $1,587.68 |
| Employee and Spouse Rate $1,867.86 |
| Family Rate $2,661.70 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
| Activate Silver |
|---|
2026 Q1 |
| Employee Rate $768.79 |
| Employee and Child(ren) Rate $1,306.94 |
| Employee and Spouse Rate $1,537.58 |
| Family Rate $2,191.05 |
| First Dollar Coverage $500/$1,000 |
| In-Network Deductible $3,500/$7,000 (E) |
| In-Network Coinsurance 40% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $35/$65 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 40% Coinsurance after first dollar and deductible |
| Emergency Room Services 40% Coinsurance after first dollar and deductible |
| Pharmacy1 $15/40%/50% after first dollar and deductible |
Show Benefits + |
| iDirect Silver Copay |
|---|
2026 Q1 |
| Employee Rate $817.25 |
| Employee and Child(ren) Rate $1,389.33 |
| Employee and Spouse Rate $1,634.50 |
| Family Rate $2,329.16 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,250/$4,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 $15/$50/50% |
Show Benefits + |
| iDirect Silver Copay Option 2 |
|---|
2026 Q1 |
| Employee Rate $841.55 |
| Employee and Child(ren) Rate $1,430.64 |
| Employee and Spouse Rate $1,683.10 |
| Family Rate $2,398.42 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,500/$5,000 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $30/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $500 |
| Pharmacy1 $15/$75/$125 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2026 Q1 |
| Employee Rate $815.26 |
| Employee and Child(ren) Rate $1,385.94 |
| Employee and Spouse Rate $1,630.52 |
| Family Rate $2,323.49 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,250/$4,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Copay HSAQ Option 2 |
|---|
2026 Q1 New |
| Employee Rate $744.06 |
| Employee and Child(ren) Rate $1,264.90 |
| Employee and Spouse Rate $1,488.12 |
| Family Rate $2,120.57 |
| First Dollar Coverage N/A |
| In-Network Deductible $4,000/$8,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Coinsurance HSAQ |
|---|
2026 Q1 |
| Employee Rate $762.06 |
| Employee and Child(ren) Rate $1,295.50 |
| Employee and Spouse Rate $1,524.12 |
| Family Rate $2,171.87 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan National Silver HSAQ |
|---|
2026 Q1 |
| Employee Rate $969.90 |
| Employee and Child(ren) Rate $1,648.83 |
| Employee and Spouse Rate $1,939.80 |
| Family Rate $2,764.22 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan Local Silver HSAQ3 |
|---|
2026 Q1 New |
| Employee Rate $832.79 |
| Employee and Child(ren) Rate $1,415.74 |
| Employee and Spouse Rate $1,665.58 |
| Family Rate $2,373.45 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Bronze Coinsurance HSAQ |
|---|
2026 Q1 |
| Employee Rate $691.14 |
| Employee and Child(ren) Rate $1,174.94 |
| Employee and Spouse Rate $1,382.28 |
| Family Rate $1,969.75 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
iDirect Bronze MV HSAQ |
|---|
2026 Q1 |
| Employee Rate $678.54 |
| Employee and Child(ren) Rate $1,153.52 |
| Employee and Spouse Rate $1,357.08 |
| Family Rate $1,933.84 |
| First Dollar Coverage N/A |
| In-Network Deductible $8,450/$16,900 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $0 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
| iDirect Bronze MV |
|---|
2026 Q1 New |
| Employee Rate $650.98 |
| Employee and Child(ren) Rate $1,106.67 |
| Employee and Spouse Rate $1,301.96 |
| Family Rate $1,855.29 |
| First Dollar Coverage N/A |
| In-Network Deductible $10,600/$21,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $30/Deductible then $0 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
|
Passport Plan National Bronze HSAQ |
|---|
2026 Q1 |
| Employee Rate $880.13 |
| Employee and Child(ren) Rate $1,496.22 |
| Employee and Spouse Rate $1,760.26 |
| Family Rate $2,508.37 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
Passport Plan Local Bronze HSAQ3 |
|---|
2026 Q1 |
| Employee Rate $755.75 |
| Employee and Child(ren) Rate $1,284.78 |
| Employee and Spouse Rate $1,511.50 |
| Family Rate $2,153.89 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
| Standard Healthy NY Gold2 |
|---|
2026 Q1 |
| Employee Rate $796.44 |
| Employee and Child(ren) Rate $1,353.95 |
| Employee and Spouse Rate $1,592.88 |
| Family Rate $2,269.85 |
| First Dollar Coverage N/A |
| In-Network Deductible $775/$1,550 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 $10/$35/$70 |
Show Benefits + |
